A Simple Introduction to Credit Counselling Services

A look at what we do, and how it can help you become debt-free

Credit counselling is a debt relief option that helps you eliminate credit card debt as quickly as possible so you can regain financial stability. If you’re having trouble getting ahead, we can help.

Consolidated Credit is a not-for-profit credit counselling agency dedicated to helping you find the right debt solution for your unique financial situation. Together, we can take a look at your budget and debts and decide the best solution for you. Call Consolidated Credit today at for a free debt evaluation with a trained credit counsellor or take the first step online now by completing a request for a Free Debt Analysis.

What is Credit Counselling?

Credit counselling is a financial service that helps consumers who are struggling with unsecured debt, such as credit cards, lines of credit, store cards and payday loans. Trained credit counsellors assist consumers in developing a financial strategy to get back on track as quickly and efficiently as possible. In some cases, the best solution is a debt management program through our credit counselling agency. In other cases, the credit counsellor may recommend a different debt relief option that would work for you. Our main goal is finding the right debt solution to fit each consumer’s needs.

In this section, we’ll provide a basic explanation of how the credit counselling process works. From your first consultation to the completion of a debt management program, we’ll show you the ins-and-outs.

If you’re still not sure about credit counselling, we’ll show you what happens during your first counselling session, step-by-step, so you have a better idea of what will happen once you start working with us.

Not all credit counselling services are the same. Learn how credit counselling services differ, including the difference between for-profit credit counselling and not-for-profit credit counselling. We’ll also provide helpful tips on how to review and vet different credit counselling agencies, so you can choose the right agency for your financial needs.

Here’s a run-down on how this process will affect your credit score. You might find that it is worth the reward, especially compared to other options like bankruptcy. With the right debt solution you can get out of debt quickly while minimizing credit damage as much as possible.

Take the First Step Now

You don’t have to face problems with debt alone. Credit counselling puts someone on your side to help you find a way back to financial stability. Get expert advice on the right debt solution for you, so you can have peace of mind that you’re making the right choices for your financial future. If you’re ready to get started with your free consultation, please call Consolidated Credit today at to speak with a trained credit counsellor or take the first step now by completing an online request for a Free Debt Analysis.

We are a proud member of the Canadian Association of Credit Counselling Services (CACCS), the national voice for not-for-profit credit counselling services. As a CACCS member, you can trust that our trained credit counsellors strive to provide the best in professional, independent and unbiased personal finance services. We’ve helped hundreds of thousands of Canadians find relief from debt. Call us today to find out if we can help you.

Consolidated Credit Counseling of Canada is proud to be a member and support the Toronto Board of Trade. Founded in 1845, the Toronto Board of Trade is Canada’s largest local chamber of commerce. We share their vision, passion and commitment to serving the community and to foster economic and social welfare of the City of Toronto. Call us today and see what we can do for you.

Consolidated Credit Counseling Services of Canada is accredited by the Canadian Centre for Accreditation – a national organization responsible for ensuring excellence in community service. We meet CCA’s high standards of service and accountability. Give us a call today and find out what we can do for you.

We are proud members of the Ontario Association of Credit Counseling Services (OACCS). OACCS sets the standard of required expertise for the financial counseling industry and the only organization to offer the exclusive professional designation of Accredited Financial Counsellor Canada (AFCC). With over 500,000 people helped, you can be assured that we can find the right solution for you. Call us today.

Time tested and customer trusted. Consolidated Credit Counseling Services of Canada, Inc has been a BBB Accredited Business since 2008 and has a current A+ rating. Call us today and see what we can do for you.

AFCC (Accredited Financial Counsellor Canada) is a distinguished professional designation, indicating that a counsellor has successfully completed the program and has specialized knowledge, unique skills and expertise as a qualified Credit Counsellor.